◉
DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Research coverage — 15/16 categories
SBI · Visa / RuPay

Titan SBI Card

Best forShopping & Jewellery
Earns7.5% on shopping — only at Titan group brands
1st Year / Joining Fee
₹2,999 + taxes
Renewal Fee
₹2,999 + taxes
charged every year for Titan SBI Card
Fee waiver
₹3,00,000
annual spend
Network
Visa / RuPay

Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on shopping and jewellery, where it earns 7.5% (only at Titan group brands)
  • Annual fee is waived at ₹3,00,000 yearly spend

How you earn

Reward rates at a glance — exactly as recorded for this card.

ShoppingOnly at Titan group brands7.5%
JewelleryOnly at Mia / CaratLane / Zoya5%
JewelleryOnly at Tanishq3%
Education6 RP/₹100
Insurance6 RP/₹100
All 16 reward categories · 15 of 16 categories verified
CategoryRateCapCondition
RentNot eligible—Property rental payments (MCC 6513) excluded from rewards (Section 11.3c)
Details
Status
Verified — not eligible
Issuer note
Property rental payments (MCC 6513) excluded from rewards (Section 11.3c); ₹199 processing fee applies per MITC.
Education6 RP/₹1006,000 RP per month6 RP / ₹100 outside Titan stores (1.50% base rate, 1 RP = ₹0.25, capped at 6,000 RP/mo per Section 12.5)
Details
Status
Verified
Source
SBI-TITAN-TNC-2026
Issuer note
6 RP / ₹100 outside Titan stores (1.50% base rate, 1 RP = ₹0.25, capped at 6,000 RP/mo per Section 12.5). 1% fee on third-party apps per MITC.
Insurance6 RP/₹1006,000 RP per month6 RP / ₹100 outside Titan stores (1.50% base rate, 1 RP = ₹0.25, capped at 6,000 RP/mo per Section 12.5)
Details
Status
Verified
Source
SBI-TITAN-TNC-2026
Issuer note
6 RP / ₹100 outside Titan stores (1.50% base rate, 1 RP = ₹0.25, capped at 6,000 RP/mo per Section 12.5).
UtilitiesNot eligible—Utility bill payments excluded from rewards (Section 11.3c)
Details
Status
Verified — not eligible
Issuer note
Utility bill payments excluded from rewards (Section 11.3c); 1% fee above ₹50,000/cycle per MITC.
FuelNot eligible—Fuel purchases excluded from rewards (Section 11.3c)
Details
Status
Verified — not eligible
Issuer note
Fuel purchases excluded from rewards (Section 11.3c); 1% fuel surcharge waiver (₹500-₹4,000, max ₹100/statement).
Groceries6 RP/₹1006,000 RP per month6 RP / ₹100 outside Titan stores (1.50% base rate, 1 RP = ₹0.25, capped at 6,000 RP/mo per Section 12.5)
Details
Status
Verified
Source
SBI-TITAN-TNC-2026
Issuer note
6 RP / ₹100 outside Titan stores (1.50% base rate, 1 RP = ₹0.25, capped at 6,000 RP/mo per Section 12.5).
Dining6 RP/₹1006,000 RP per month6 RP / ₹100 outside Titan stores (1.50% base rate, 1 RP = ₹0.25, capped at 6,000 RP/mo per Section 12.5)
Details
Status
Verified
Source
SBI-TITAN-TNC-2026
Issuer note
6 RP / ₹100 outside Titan stores (1.50% base rate, 1 RP = ₹0.25, capped at 6,000 RP/mo per Section 12.5).
Food Delivery6 RP/₹1006,000 RP per month6 RP / ₹100 outside Titan stores (1.50% base rate, 1 RP = ₹0.25, capped at 6,000 RP/mo per Section 12.5)
Details
Status
Verified
Source
SBI-TITAN-TNC-2026
Issuer note
6 RP / ₹100 outside Titan stores (1.50% base rate, 1 RP = ₹0.25, capped at 6,000 RP/mo per Section 12.5).
Shopping6 RP/₹1006,000 RP per month7.5% Cashback at World of Titan, Fastrack, Titan Eye+, Helios, Taneira, Skinn, Sonata (cap ₹10,000/quarter)
Details
Status
Verified
Source
SBI-TITAN-TNC-2026
Issuer note
7.5% Cashback at World of Titan, Fastrack, Titan Eye+, Helios, Taneira, Skinn, Sonata (cap ₹10,000/quarter); 6 RP / ₹100 outside Titan stores (1.50% base rate, cap 6,000 RP/mo per Section 12.5).
Travel6 RP/₹1006,000 RP per month6 RP / ₹100 outside Titan stores (1.50% base rate, 1 RP = ₹0.25, capped at 6,000 RP/mo per Section 12.5)
Details
Status
Verified
Source
SBI-TITAN-TNC-2026
Issuer note
6 RP / ₹100 outside Titan stores (1.50% base rate, 1 RP = ₹0.25, capped at 6,000 RP/mo per Section 12.5).
Government6 RP/₹1006,000 RP per month6 RP / ₹100 on eligible retail spends outside Titan stores (1.50% base rate, 1 RP = ₹0.25, capped at 6,000 RP/mo per Section 12.5
Details
Status
Verified
Source
SBI-TITAN-TNC-2026
Issuer note
6 RP / ₹100 on eligible retail spends outside Titan stores (1.50% base rate, 1 RP = ₹0.25, capped at 6,000 RP/mo per Section 12.5; Government is not excluded in Section 11.3c or 11.B.1).
WalletNo reward——
Details
Status
Verified — no reward
Issuer note
E-wallet loading under MCC 6540/6541 excluded from rewards (Section 11.3c, 11.B.1.vii); 1% fee over ₹1,000 applies per MITC.
Railways6 RP/₹1006,000 RP per month6 RP / ₹100 outside Titan stores (1.50% base rate, 1 RP = ₹0.25, capped at 6,000 RP/mo per Section 12.5)
Details
Status
Verified
Source
SBI-TITAN-TNC-2026
Issuer note
6 RP / ₹100 outside Titan stores (1.50% base rate, 1 RP = ₹0.25, capped at 6,000 RP/mo per Section 12.5).
FASTagVaries—Depends on how the transaction is processed
Details
Status
Depends on how the transaction is processed
Issuer note
Not established: the card's supplied booklet has a general reward clause but does not say whether a FASTag recharge or toll falls under it, and no FASTag-specific reward or exclusion is stated; the general clause is not assumed to apply. The treatment may depend on the transaction route, merchant / payment processor and MCC (a FASTag recharge may post as a toll, MCC 4784, as a wallet load, or under another merchant category), so no rate is applied (unresolved, not zero). Prefer recharging FASTag directly through the FASTag issuer's official website / app rather than through a third-party wallet / payment route.
Jewellery6 RP/₹1006,000 RP per month5% Cashback at Mia, Caratlane, Zoya (cap ₹10,000/quarter) · Also 3%, only at Tanishq
Details
Status
Verified
Source
SBI-TITAN-TNC-2026
Issuer note
5% Cashback at Mia, Caratlane, Zoya (cap ₹10,000/quarter); 3% Gift Vouchers at Tanishq exclusively (cap ₹25,000/quarter; Golden Harvest excluded); 6 RP / ₹100 outside Titan stores (1.50% base rate, cap 6,000 RP/mo per Section 12.5).
Telecom6 RP/₹1006,000 RP per month6 RP / ₹100 outside Titan stores (1.50% base rate, 1 RP = ₹0.25, capped at 6,000 RP/mo per Section 12.5)
Details
Status
Verified
Source
SBI-TITAN-TNC-2026
Issuer note
6 RP / ₹100 outside Titan stores (1.50% base rate, 1 RP = ₹0.25, capped at 6,000 RP/mo per Section 12.5).

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹2,999 + taxes
Renewal Fee
₹2,999 + taxes
charged every year for Titan SBI Card
Fee waiver
₹3,00,000
annual spend
Reward caps
  • Shopping — ₹10,000 / quarter (per category — Shopping)
  • Jewellery — ₹10,000 / quarter (per category — Jewellery)
  • Jewellery — ₹25,000 / quarter (per category — Jewellery)
  • Shopping — 6,000 RP / month (shared cap — Shopping)
Spending thresholds
  • Spend ₹5,00,000 per card year → Annual milestone: ₹5,00,000 annual spend unlocks ₹5,000 Titan brand gift voucher
  • Spend ₹10,00,000 per card year → Annual milestone: ₹10,00,000 annual spend unlocks ₹10,000 Titan brand gift voucher
  • Spend ₹3,00,000 per card year → annual fee waived

Key benefits

Rewards
7.5% on shopping (only at Titan group brands)
Fuel surcharge waiver
1% fuel surcharge waiver on transactions ₹500-₹4,000, max ₹100/statement
Foreign-currency markup
3.5% foreign-currency markup — Charged on every foreign-currency transaction (Titan SBI Card)
Milestone benefit
Annual milestone: ₹5,00,000 annual spend unlocks ₹5,000 Titan brand gift voucher
Milestone benefit
Annual milestone: ₹10,00,000 annual spend unlocks ₹10,000 Titan brand gift voucher
Fee waiver
Annual fee waived on ₹3,00,000 annual spend

Important to know

Limits and exclusions that change what you earn.

  • Shopping rewards are capped at ₹10,000 / quarter (per category — Shopping)
  • Jewellery rewards are capped at ₹10,000 / quarter (per category — Jewellery)
  • No reward on: Wallet
  • Not eligible: Rent, Utilities, Fuel
  • Spend ₹5,00,000 per card year → Annual milestone: ₹5,00,000 annual spend unlocks ₹5,000 Titan brand gift voucher

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in shopping, jewellery
  • You can reach the ₹3,00,000 annual spend that waives the fee
△ Less useful if
  • Much of your spending is in rent, utilities, fuel, which earn nothing
  • You cannot reach the fee-waiver spend and would pay the annual fee
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 4 caps · 4 no-reward categories
Caps
  • Shopping — ₹10,000 / quarter (per category — Shopping)
  • Jewellery — ₹10,000 / quarter (per category — Jewellery)
  • Jewellery — ₹25,000 / quarter (per category — Jewellery)
  • Shopping — 6,000 RP / month (shared cap — Shopping)
Categories with no reward or not eligible
  • Rent — Not eligible. Property rental payments (MCC 6513) excluded from rewards (Section 11.3c).
  • Utilities — Not eligible. Utility bill payments excluded from rewards (Section 11.3c).
  • Fuel — Not eligible. Fuel purchases excluded from rewards (Section 11.3c).
  • Wallet — No reward.
Milestones · 3 recorded
  • Spend ₹5,00,000 per card year → benefit worth ₹5,000 — Annual milestone: ₹5,00,000 annual spend unlocks ₹5,000 Titan brand gift voucher.
  • Spend ₹10,00,000 per card year → benefit worth ₹10,000 — Annual milestone: ₹10,00,000 annual spend unlocks ₹10,000 Titan brand gift voucher.
  • Spend ₹3,00,000 per card year → benefit worth ₹2,999 — Annual fee waiver: the renewal fee is waived on annual spends of Rs.3 Lakh or more in the preceding year. Source: SBI Cards - Most Important Terms & Conditions, Section 1.A Annual Fees & Renewal Fees (fee table, pages 1-11).
Eligibility

Subject to SBI's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications
  • Payment network: Visa / RuPay
  • Airport lounge: Not recorded by DhanChakshu — check the issuer terms
  • Fuel surcharge waiver: 1% fuel surcharge waiver on transactions ₹500-₹4,000, max ₹100/statement.
  • Foreign-currency markup: 3.5% foreign-currency markup — Charged on every foreign-currency transaction (Titan SBI Card). The exchange rate is determined by the network (VISA/Mastercard etc.) on the date the transaction is settled with SBI Card.
Other fees and charges
  • Renewal fee ₹2,999 plus applicable taxes, charged every year for Titan SBI Card
  • Over-limit fee: 2.5% of the amount above the credit limit or ₹600, whichever is higher, charged once per billing cycle
  • Payment dishonour fee: 2% of the payment amount, subject to a minimum of ₹500
  • Cheque payment fee ₹200
  • Card replacement fee between ₹100 and ₹250 depending on the card variant
What DhanChakshu couldn't fully verify · 2 areas

2 areas need further verification. None of these are counted as zero.

  • • FASTag — depends on how the transaction is processed
  • • Lounge benefit — not recorded; check the issuer terms

Sources & verification

Verification & sources · last checked 2026-10-11

Verification coverage: 15 of 16 categories verified · 1 still being verified

Card record last checked: 2026-10-11

Documents used
Titan SBI Card - Cardholder Agreement & Reward Point Program T&C · SBI-TITAN-TNC-2026 · 2026-10-11
Official Titan SBI co-brand terms, 7.5% Titan, 5% Mia/Caratlane, 3% Tanishq, quarterly caps · SRC-SBI-TITAN-SCHEDULE
SBI Cards - Most Important Terms & Conditions · SBI-MITC-UPLOAD-2026-10 · 2026-10-08
Titan SBI Card₹2,999 1st year